Debt Relief Attorney in Orange County, CA, Helping Clients Get Their Heads Above Water
If you are considering bankruptcy or other forms of debt relief, chances are your finances have become unmanageable. Millions of Americans are in the same boat, and in such situations, it can be difficult to know what to do. Secured and unsecured debt can leave you worried about your financial future—along with facing harassment from debt collectors in the form of repeated calls, letters, and even text messages. Fortunately, a debt relief lawyer in Orange County, CA may be able to help.
It’s important to consider all your options before making any major decisions. That’s where debt settlement lawyers can help. The Law Office of Patrick O’Kennedy provides individuals who are facing overwhelming debt a free case evaluation so they can better understand their position. Filing bankruptcy may potentially be the best option for you, but it’s possible that other steps may be more beneficial. By merely exploring your options, though, you have taken the first step toward a clean financial slate.
How Can a Debt Settlement Lawyer Help?
There are a variety of debt settlement options available for those experiencing financial difficulties. Understanding these options and how they can help is a major benefit of working with an attorney. While we cannot speak to the offerings of other legal firms, the Law Office of Patrick O’Kennedy provides high-caliber representation in the following types of bankruptcy and related matters:
- Chapter 7 Bankruptcy: The fastest and easiest type of consumer bankruptcy, Chapter 7 offers a way to permanently erase most types of debt while still keeping most or all of your property.
- Chapter 13 Bankruptcy: This type of bankruptcy may be a better option for those who cannot qualify for Chapter 7 or who face special circumstances. The Law Office of Patrick O’Kennedy provides skilled legal guidance for clients considering this type of bankruptcy.
- Debt Consolidation: Choosing to file bankruptcy is a good option for many, but it’s not the right option for everyone. We can advise you on whether debt consolidation—an increasingly popular option for debt relief—is the best option for you.
Debt settlement lawyers serve clients who need help the most. From Anaheim to Santa Ana—all the way to Laguna Hills and San Clemente—our Orange County law firm will focus on your best interests and help settle the debts that burden you. Break free from constant harassment and the threat of lawsuits by seeking legal counsel at the Law Office of Patrick O’Kennedy today.
How Can You Stop Debt Collector Harassment?
When you first reach out to a debt settlement attorney in Orange County, CA, they’ll help you understand that the process may take time. Even the fastest form of bankruptcy relief—Chapter 7—can take four to six months before a final discharge. Fortunately, you won’t have to worry about any creditor harassing you during this time. While it may take several months for debts to be discharged—even with the help of an attorney—debt collectors must cease all contact once you file for bankruptcy.
Of course, this will only occur if the proper debt settlement process is followed. These creditors will not know that they must stop contacting you if they’re not alerted of that fact. If you fail to list certain creditors on your petition—whether they’re from local banks or international large companies—the bankruptcy court will be unable to send them proper notice. A legal professional can help you identify all creditors and explain how to deal with them.
Of course, you may be in a situation where bankruptcy services aren’t the best option. Even in such situations, it’s still possible to get creditors off your back. The Fair Debt Collections Practices Act offers a variety of protections to individuals in debt. Thanks to this law, it’s possible to stop a creditor from harassing you even if you’re not going through bankruptcy. This can give you time free from harassment to get your finances in order with the help of a legal professional.
How Should You Choose a Debt Settlement Attorney?
You have many choices when you’re looking for debt settlement lawyers in Orange County. Many of these attorneys offer top-tier representation, so it can be difficult to choose between legal representatives. When making this decision, though, your main considerations should be experience, reviews, and cost. If you focus on these three factors, you’ll very likely choose a debt settlement attorney that can help you get back on track.
Debt settlement lawyer Patrick O’Kennedy has served in the legal arena for two decades. He has a stellar list of successes both inside and outside the courtroom, and he’s helped many clients overcome their financial burdens and get out of debt collection. You’ll also only pay a single, reasonable flat fee—with absolutely no hidden costs. When you’re fighting to overcome debt, the last thing you need is unfair or unexpected expenses.
You will only have to pay once to obtain permanent freedom from your debts. Contact us today for a free case evaluation.
Is Bankruptcy the Right Option?
Consumer bankruptcy is meant to protect people like you. Most importantly, it can permanently erase many types of debt. Of course, it also has other significant benefits. For instance, it will immediately stop creditors from harassing you. It can also clear away judgments against you and help you rebuild your credit. Normally, your credit will be vastly improved within a year after filing bankruptcy.
Of course, there are other debt settlement options. There are some disadvantages that exist in the bankruptcy process, and it’s important that you understand each of these before making a decision. For instance, Chapter 7 bankruptcy can clear your debt with a creditor, but if you have secured debt, they may still be able to take your property.
Avoiding such issues is easier when you have a debt settlement attorney in Orange County, CA on your side. Whether you’re dealing with secured or unsecured debts, there are paths to financial wellness available to you. With the services of an experienced legal professional on your side, you’ll find it easier to choose the path that’s best for you.
Contact a Debt Relief Lawyer in Orange County, CA Today
It’s very easy to find yourself in debt, but unfortunately, it’s nowhere near as simple to get out from under it. When you consider medical bills, high home loan rates, business debts, past due credit cards, and other possible debts, it’s easy to see how a person can find themselves overwhelmed and unsure of what to do. With an experienced law firm on your side, though, it’s possible to find financial relief and move on with your life.
At the Law Office of Patrick O’Kennedy, you’ll have a debt settlement attorney on your side willing to work tirelessly to help you get back on your feet. Patrick has spent two decades helping clients get out from under debt and deal with other legal issues. Contact our law firm today by calling (714) 919-1855 for a free consultation. Financial obligations can become crushing, but with a debt relief lawyer in Orange County, CA on your side, it’s possible to move on with your life.